Every day, I still get these goofy posts shoved in front of my eyes, saying “How to earn $X per day on Binance without doing anything.” Fine. Let’s actually look at what it takes to earn just one dollar a day.
USDC Flexible Earn is a perfectly decent place to park your money. It is liquid, stable, and keeps your capital mildly active while you wait for better things. But what it is not is a source of real passive income, no matter how confidently some post tells you otherwise.
Binance shows 10.85 percent APR for USDC. What they mean is that only your first 100 USDC earns that rate. Anything above it drops to 0.85 percent. You will not see that on the banner, but it is in the product details if you dig.
So how much would you need to deposit to earn just one dollar per day?
The first 100 USDC earns about 0.03 per day. The rest, that missing 0.97, would need to come from the lower 0.85 percent tier. To get that much daily from such a small rate, you would need to deposit around 41,692 USDC more. Add the 100 up top, and the total required is 41,792 USDC.
That is the math behind your daily dollar.
Now maybe you think you can do better with other coins. There are tokens in Earn offering 20, 30, sometimes even 40 percent APR. You could put the same amount there and get more on paper.
Just do not forget why those APRs exist. They are not signals of strength. They are signals of need. A team wants inflow. A listing needs traction. A project wants to prove activity. The token itself probably wants to stay alive. And you are part of that equation.
High APR is not passive income. It is a trade. Sometimes it pays, most times it bleeds. Eventually, it fades.
Flexible Earn is not useless. It does exactly what it says. If you want a place to leave your USDC for a while and earn a bit of extra dust, go ahead. The first 100 still gets real APR. The rest brings in fractions. Over time, it adds up. Not fast. Not exciting. But yes, it adds up.
And if your plan is to park stablecoins for a year or two or three, that is fine too. Maybe you are not looking for returns. Maybe you just want liquidity. Maybe you just want to not think about it. That is a valid choice. But it is not income. It is storage. It is patience. It is not the thing those posts are selling.
Next time someone tells you they are earning passively on Binance, ask them how much they parked and where. If it is 42k in USDC, they are playing it slow. If it is a high-APR coin that no one will remember in three months, they are playing something else entirely.
Either way, it is probably not what they think it is.
Disclaimer:
This post simplifies interest calculations to make the logic visible. APRs on Binance Flexible Earn can change, and returns may be affected by compounding, subscription timing, and product adjustments. Always check current rates and terms directly in the app before deploying capital. This is not financial advice, just basic arithmetic for people tired of seeing “$10 a day” promises with no numbers behind them.
The analysis is based on personal experience using an EU-based Binance account, where access to certain stablecoins is limited. For example, USDT is not visible in Earn products, and only EUR-based options like EURI are available, often with lower APRs. If you live outside the EU, your available tokens and interest rates may differ significantly. Always rely on what your version of the app shows, not someone else’s screenshots from a different region.
